Personal loans in Fidelity, MO

With roughly 228 residents, Fidelity is a small community, and the lending rules its borrowers live under are written in Missouri, not by the city.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Census counts 228 people in Fidelity, the 629th-largest figure among Missouri's 937 places. The trend for Fidelity between 2020 and 2023 is upward by roughly 0.9%. Which products a lender may offer to Fidelity's 228 residents follows from the Missouri consumer-lending framework. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Fidelity loan. Borrowers who want a bigger city can look to Carthage, MO about 5 miles away.

Fidelity: the sourced local profile

Set out below is Fidelity's local context next to the state-level rules that reach every lender here.

What is available to Fidelity borrowers

Fidelity is lightly settled, with about 236 people per square mile and 94 larger places within 50 miles. What is available to Fidelity's 228 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Carthage, MO about 5 miles away.

How Missouri law applies in Fidelity

Below are the Missouri rules that apply to a loan made in Fidelity, each with the regulator that issued it.

RuleDetailSource
State lending regulatorMissouri Division of Finance (Department of Commerce and Insurance)
Source says: "We regulate state-chartered banks, trust companies, consumer credit facilities, mortgage brokers, and savings and loan institutions"
Missouri Division of Finance
as of 2026-09-16
Payday lending statusLegal and licensed — unsecured loans of $500 or less require a license from the Director of the Division of Finance (RSMo § 408.500)
Source says: "in the business of making unsecured loans of five hundred dollars or less shall obtain a license from the director of the division of finance"
Missouri Revisor of Statutes
as of 2026-09-16
Small-loan / installment lender licensingConsumer credit lenders licensed and regulated by the Division of Finance's consumer credit section (Chapters 367 and 408, RSMo)
Source says: "The consumer credit section of the Missouri Division of Finance is responsible for licensing and regulating various types of consumer finance companies"
Missouri Division of Finance
as of 2026-09-16

Fidelity on the map

Inside Fidelity's boundaries lie about 1.0 square miles of land, with no significant water area recorded. With 228 residents, the land area yields roughly 236 people per square mile. The state's population centre of gravity, Kansas City, is roughly 142 miles away. Within 50 miles of Fidelity there are 94 larger Census places. Within the same 50 miles lie 39 smaller Census places.

Inside a Fidelity personal loan

In Fidelity, a small community of about 228, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Fidelity can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Fidelity loan is knowable in advance — unlike a revolving card balance.

How Fidelity compares across Missouri

Against Missouri's other places, Fidelity accounts for about 0.0% of the state's population and ranks 629th of 937 by size. On the 2020-to-2023 trend, Fidelity stands 382nd among Missouri's 937 places — roughly the 59th percentile. At about 236 people per square mile, Fidelity is the 833rd most densely settled place in Missouri. Between 2020 and 2023 the count changed by roughly 2 residents.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Fidelity if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Fidelity is the same as anywhere in Missouri.
What loan size can I expect in Fidelity?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Fidelity?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Fidelity cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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